Loan Depot, Kumil Ye Did not live up to their word on amount of closing costs. Foothill Ranch Internet

I went through Lending Tree to refinance the mortgage on our house.  I decided to go with LoanDepot.com.Kumil Ye, point of contact at LD, told me at the very beginning that my closing costs would be $575.  I asked her to send me an email to itemize the closing costs that this would cover.  She acted as if she didn't know what I was talking about.  Through the whole 45 +day process I kept getting these estimated closing costs statements and none reflected the $575 that was initially offered.  I called and emailed several times  Kumil and she kept dodging the question. Although she did send me an email that included a table showing me the Closing Costs of $575, the interest rate of the loan and the monthly payment.   I should have pulled the plug.  In the end my closing costs were over $1,800.  By the time that we got near closing, I checked my credit score and found that it dropped and by doing so, I was no longer elegible for the rate I pursued and locked in with Loan Depot that I could apply for with other lenders. So, if I was to go to another lender, then I would pay a higher interest rate.  So, I stayed with them since my rate was locked in  and refinanced my mortgage with them.  Moral of the story - Run; dont walk if they can't live up to their initial offering. Don't waste your time with them.  Also, be careful about going through these operations like Lending Tree or Bank Rate.com.  Reason is that the lenders will check your credit scores early on and the more that do it will affect your credit score just because of the high number of inquires.  

I hope LoanDepot.com sells my mortgage and never have to deal with them again.  Many of the items to be paid at closing are fixed costs and don't go up or down.  The only one that does is the amount of daily accrued interest with your current lender.  Again, Stay Away from Loan Depot.